www.onlinesbi.

“EXPECT MORE!” FROM STATE BANK OF INDIA, NRI SERVICES
State Bank of India, India's largest bank was founded over two centuries ago and is the flagship of Indian banking.It is the bank of choice for Indians wherever they live. State Bank has been a pioneer in NRI banking with: • Presence in 32 countries with 157 Foreign Offices. • Correspondent banking relations with over 491 global banks. • 44 dedicated NRI branches and over 7000 branches in India offering NRI Services. • Hi-tech products and world class services to suit all your needs. • Internet banking facilities. • Over 14,000 branches on Core Banking Platform and over 25,000 networked ATMs in India, offering "anywhere/anytime banking facility". Our remittance products are unique and customized to suit the needs of NRIs wishing to send money home, quickly and safely. We ensure that your money reaches your loved ones well in time for any urgent needs. If you intend to domicile your account or buy a property back home, you are not far from a SBI branch. Please visit us at www.onlinesbi.com/nri. We strive to reach you in your current country of residence: • NRI Home Loans: Now NRIs in Bahamas, Bahrain, Bangladesh (Dhaka), Belgium, France, Hong Kong, Maldives and Singapore can approach our offices in these countries and apply for Home Loans in India, there itself. • Pre Printed Kits: For availing ‘online banking’ facility on NRI Accounts. NRIs in Bahrain, China, Egypt, France, Germany, Hong Kong, Maldives, Muscat, Nepal, Oman, Qatar, Singapore, South Africa, UAE, United Kingdom and USA (California) can now approach our local offices/exchange companies managed by us thereat for ‘Preprinted kits’.

STATE BANK OF INDIA HAS BEEN ADJUDGED
“Most Respected Banks Of 2011” in the 'Most Respected Companies 2011’ by Business World “Power Brands 2010-11” award, for India’s most powerful brands chosen by the consumer

Deposits
Treasure your savings with us And earn attractive returns back home
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Bank deposits are free from wealth tax in India.
Rupee loans can be taken in India against the security of the deposit: By the depositor(s). By third parties. Deposits in the form of Term Deposits for periods ranging from 1 year to 5 years. subject to payment of taxes and production of a certificate from a Chartered Accountant & undertaking as per RBI guidelines. Can be opened either individually by an NRI or jointly with a non-resident or a resident. transfer from other NRE/FCNR accounts.deposit accounts to suit your requirements fer you an array of vices. In USD. Interest earned on FCNR is exempt from Income Tax in India. Credits will be in the form of remittances from abroad. CAD and Japanese Yen. Account can be opened jointly with other NRIs. we of ww. Account can be withdrawn for making local payments in Rupees.onlinesbi. AUD.
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Non-resident (Ordinary) Rupee Account (NRO) Account types: Savings Bank/Current Account/Term Deposit/Special term Deposit/Recurring Deposit. Local funds in India or remittances from abroad can be deposited. Minimum Deposit: USD 1000 or equivalent. GBP EURO. Funds to be used for local payments. deposits of foreign exchange brought to India. Foreign Currency loan can be availed at select SBI branches in India and abroad against security of FCNR. Interest earned on NRE accounts is exempt from Indian income tax.
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Foreign Currency Non-Resident Account (FCNR) Can be opened either individually by an NRI or jointly with other NRIs.com/nri RI Ser Please visit us at w At SBI N
Non-Resident (External) Rupee Account (NRE) Account types: Savings Bank/Current Account/Term Deposit/Special Term Deposit/Recurring Deposit. Repatriation of funds up to USD 1 million per calendar year out of balances held in NRO account for specified purposes. . Non-Resident (Ordinary) Rupee Account (NRO)
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• Tenure of FCNR (B) deposit : 1 year. the balance in RFC can be converted to NRE/FCNR account. Balances in NRE/FCNR accounts and other foreign exchange funds brought in at the time of return or subsequently from assets maintained abroad can be invested in RFC account.00. • FCNB Premium Account is available only in selected branches. Can be maintained in the form of TDRs from 1 year to 3 years. Tax deducted at source (TDS). • FCNB Premium Account can be opened by: • Conversion of existing balance of NRE Savings Bank / Fixed Deposit to FCNR(B) deposits • Remittances from abroad • Maturity proceeds to be credited in NRE savings Bank a/c.
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.000. • If the FCNR (B) deposit is closed before maturity no interest will be paid and Forward contract cancellation charges will also be levied. If you become NRI again. GBP & Euro.
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Resident Foreign Currency Account (RFC) PIOs or NRIs returning to India for permanent stay can open and maintain the account. exemption can be claimed on interest earned. • Minimum deposit: USD 2000 / GBP 2000 / EUR 2000 /AUD 2000 / CAD 2000 / JPY 2. Available in with USD.FCNB Premium Account Combines the benefits of a FCNR (B) deposit with Forward Cover to give attractive return.

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A.S. *Fee structures are subject to change. Quantum of Remittance & Fees
SBI Express Rapid Remittance
SBI Express Rapid Remittance is an online money transfer service for remitting funds from U.NRIs can now remit funds to their own account as well as to near and dear ones in India through any of our attractive remittance products which have been specially designed by us to cater to your requirements. On the next working day after we receive funds in our Correspondent’s Bank Account.000 through a single transaction. to enter the Transaction Reference number generated by us. • Minimum amount of remittance is $ 50.A. The maximum amount permissible: $ 100000.(exclusive of Service Tax) will be levied on every transaction where foreign currency conversion is carried out. • A "Remarks" or "Message to Recipient" field while making the online third-party transfer.000 branches of other Banks all over India through RTGS/NEFT are free of cost (nominal charges are applicable for lower amounts).S. Please Note: Your bank in U. • In case of accounts with other banks. Mode Of Remittance Through the US Automated Clearing House (ACH) network.000 through a single transaction to an account with SBI.
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Remittance Amount $50-$500 $501-$5000
Fee for Direct Credit* Nil Nil
Fee for Draft Issue & Courier ` 100 Nil
Fee for Credit to other Banks `6 Nil
• You can remit up to $10.
SBI EXPRESS REMIT US
An easy and convenient way to remit funds from USA to India online from your home/office 24x7. Money transfers above $500 into accounts of over 77.)
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.A.
(*Foreign Currency Conversion charge of ` 25/. should offer the following facilities for using our product: • Online third-party funds transfers/payments on their Internet banking website. bank account to the beneficiary in India. Quantum of Remittance The minimum amount permissible: $ 2000. Money transfers directly credited into beneficiary accounts at over 14.S.000 SBI Branches all over India. you can remit up to $ 5. SBI Express Rapid Remittance enables you to send money directly from your U.

000 Core Banking Branches of SBI in India and over 77. please visit our site at )
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Remittance Amount £50-£500 £501-£5000
Fee for Direct Credit* Nil Nil
Fee for Draft Issue & Courier ` 100 Nil
Fee for Credit to other Banks ` 100 Nil
(*Foreign Currency Conversion charge of ` 25/.(exclusive of Service Tax) will be levied on every transaction where foreign currency conversion is carried out. Canada. (For more information.SBI EXPRESS REMIT UK
An online service to remit money from remitter's UK Bank account to the beneficiary account in india. Nepal. UK. Japan. Procedure The remitter can initiate the transfer in any of the following ways: By personally visiting the respective SBI foreign office and filling up the form meant for this purpose. Remittance instruction can be posted 24x7. China. Oman. France. Completely Online Direct transfer. Quantum & Fees for Remittance
Mode of Remittance Methods to initiate the remittance may vary from country to country and exact details can be ascertained from the nearest foreign office of SBI in that country. of other branches in India by next working day. Singapore. By sending a fax request to the foreign office. Belgium.
. * Fee structure is subject to change.)
Money is received and processed as per remitter's request in 4-5 working days. Attractive Exchange Rates. Mode of Remittance Uses CIP (Customer Initiated Payments) to directly transfer money. Bahrain. this facility is also available for non account holders. Hong Kong. Mauritius. Israel. Maldives. S. • Facility available at 17 countries as per list: Australia.e. No need for any branch visits or paperwork.
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SBI INSTANT TRANSFER
Real time rupee remittance product where remittances can be sent from SBI foreign offices from across the world to India: • Remitter need not necessarily be an account holder of our SBI's foreign office i. Some Foreign Offices offer the facility at concessional rates to their account holders. USA. By calling his foreign office and giving telephonic instructions to effect the remittance through SBI Instant Transfer. Time Taken by the beneficiary to receive the payment Transfer of money within minutes to beneficiary's account at any of our over 14. Africa. Charges for ‘Instant Transfer’ may vary from country to country. By using his Online Internet Banking Account and sending a mail (provision has been made to send remittance request mail to branch through internet banking account) requesting the branch to send remittance.000+ RTGS/NEFT enabled branches. Quantum & Fees for Remittance No limit on the amount that can be remitted.

if it is a SWIFT linked SBI branch. King Street.S.30 IST E-mail ach. Time Taken by the beneficiary to receive the payment The remittance can be sent to the beneficiary's branch • Directly. Time Taken 1 to 3 days depending on the location of beneficiary branch. The draft will be sent to the payee branch for collection. 15.
CONTACT
For Express Remit Products Contact Toll Free Numbers From:
Country US UK Number + 1-877-207-0636 + 0-808-234-7343 Time 08. CPO.100006
7 days to 28 days. Tokyo.1-7-1. Fees for Remittance Collection charges are recovered as applicable from time to time.in
Indian Toll Free Numbers: 1800 425 3800.in sbiexpress.A.gbp@sbi. EC2V8EA State Bank of India.Box 111753. 1800 112 211
. After collection. If the remittance amount is in a foreign currency and is required to be converted to Indian Rupees. The remitter has to provide INTERMEDIARY BANK information as per list below based on the CURRENCY along with the SWIFT code of Beneficiary's Branch (for further details please visit www. Rark Avenue. in the name of the beneficiary for the amount he intends to remit and mails this draft to the beneficiary.
CASHIER’s CHEQUE / INTERNATIONAL MONEY ORDER / FOREIGN CURRENCY CHEQUES
Procedure Cheques drawn in foreign currency on a SBI foreign office are deposited for credit to the Customer's account with a branch in India.10022 U. 026009140) State Bank of India. or • To the nearest SWIFT linked branch located close to the beneficiary's home town.gls@sbi. com/nri) GREAT BRITAIN JAPANESE CURRENCY US DOLLARS EUROS POUNDS YENS
State Bank of India. Time Taken by the beneficiary to receive the payment Collection period varies depending on the country. (Routing No. Yurakucho Denki Building. P .SWIFT/ WIRE TRANSFER
Mode of Remittance
Remittances can be sent to India through SBI's foreign offices or a vast network of over 490 correspondent banks across the globe. Cheques are sent to the respective countries for collection and on receipt of funds. 60329. D-60052. • Complete account and bank details of remittances and beneficiary. the amount is credited to the Beneficiary's account. Main Zer.
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DRAFT
Procedure The NRI Remitter purchases a demand draft from any of the SBI foreign office.00 to 18.000 or equivelant • Quote SWIFT of IRC as SBININBBFXD. Yurakucho. the exchange rate prevalent on the date of conversion will be applied.co. Chiyoda-Ku. South Tower 352. local clearing regulations and location of the branch on which the cheque is drawn. N. The Draft will be deposited at the branch in India where beneficiary maintains an account. Frankfurt State Bank of India.O. conversion to Indian Rupees is done at the exchange rate prevailing on the date of conversion. New York.
Correspondent
SWIFT
SBINUS33
SBINGB2L
SBINDEFF
SBINJPJT
For quicker processing of personal remittances upto USD 10. Frankfurt Main.co. Cheques are deposited at the branch through a messenger or sent to the branch by post/courier. the proceeds will be credited to the account. onlinesbi. #460. Exchange Rate If the cheque is in foreign currency. which will handle the SWIFT transaction and transfer the funds to the beneficiary's account.Y. State Bank House. Landstrasse 61.Box 580. or Send money through SWIFT to an account maintained with some foreign Bank. Fees for Remittance Collection charges will be as applicable from time to time. London.

Whatever your needs.
. cherish your dream with our range of loans.

. renovation and improvement of residential accommodation owned by NRIs in India.000/` 20. Complimentary International ATM cum Debit Card. Personal Banking Branches. Clubbing of income from all sources will be permitted. . Concessions on premium on life cover from SBI Life. by clubbing spouse's income/adding expected rent accruals. where you can park your surplus funds and withdraw them in times of need. IMF. Special Housing Finance Branches. Maximum : Determined by EMI/NMI ratio criteria as under • 40% for Net Annual Income (NAI) upto ` 2 Lac. Loan Amount Minimum : ` 3. • 55% for NAI above ` 5 Lacs. Intensive Housing Finance Branches. Reduce EMI.
Processing fee has to be paid by the customer only if the loan is sanctioned and availed. SBI-Realty Home loan for purchase of land for house construction. • 50% for NAI above ` 2 Lacs and upto ` 5 Lac.Advocate's fee for property search and the title investigation report. working with Merchant Navy etc. World Bank.25% of loan amount ` 10.000/-
Eligibility NRIs/Persons of Indian Origins (PIOs) over 18 years of age with a steady source of income employed for at least 2 years and presently holding a valid job contract/work permit. Officials of the Central and State Governments and Public Sector Undertakings deputed abroad on temporary assignments or posted to their offices (including Indian Diplomatic Missions) abroad. Transparency with no hidden costs.
Home Loan Variants SBI-Maxgain Home Loan in the form of a Current Account overdraft. Repairs. Actual charges for the following will be payable by the customer in addition to the processing fee: • Pre-sanction . Dedicated network of NRI Branches. Higher loans.. when interest rates get reduced by 1%. and Home Loan Outbound Sales Force catering exclusively to Home Loans. .Property insurance premium. Minimum Net Annual Income (NAI) of US$ 6000 or its equivalent. Indian citizens working abroad on assignments with foreign Governments/Government agencies or International/Regional Agencies like the UNO. • Post-sanction .00 lacs. Free personal accident insurance coverage.Stamp duty payable for Loan agreement & mortgage. thus maximizing savings on interest.NRI HOME LOAN SCHEME
Purpose For acquisition of a residential accommodation in India. Processing fee/other charges Processing Fee* Loan Amount Upto ` 25 Lacs Above ` 25 Lacs and upto ` 75 Lacs Above ` 75 Lacs Processing Fee 0. Attractions Hassle-free centralized processing with minimum turnaround time.Valuer's fee for valuation report.

Loan must be repaid before the Guarantor reaches the age of 65.NRI CAR LOAN SCHEME
Purpose Term Loan to relatives of NRIs resident in India. Security FCNR/NRE Term deposit receipt to be tendered to the Bank duly discharged (undated). if required. Both Applicant & Guarantor should be of an age between 21-65 years.000/. • Provide a simple declaration as per the bank’s format stating the relationship with the applicant. For more information please log on to www. Eligibility Account holders of FCNR Deposits & Third parties. Applicant must be a resident Indian. • Maintain a steady source of income.co.or open a new account with USD 5000/.
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Rupee Loans in India to Holders of FCNR(B) Deposits/NRE Deposits
Purpose To provide Rupee Loans to NRIs/Third Parties for General purposes. Loan amount 80% of Deposit + Accrued interest .com/nri or e-mail at contactcentre@sbi. • Hold a valid job contract/work permit.in or contact our nodal officers. Provide power of attorney for the applicant. • Maintain an NRI account with SBI for at least twelve months with a minimum average balance of ` 50. For purchase of a new car/Multi Utility Vehicle (MUVs)/SUVs.or its equivalent as the initial deposit.onlinesbi. Guarantor should fulfil the following conditions: • Guarantor must be an NRI. Eligibility for Loan Guarantor must be an NRI.Maximum ` 1 crore. • Be employed abroad for at least two years.
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. • Possess a valid Indian passport. Discharge Discharge on the FCNR(B) deposit receipt should be done by the deposit holder only.

Investments
Make the present you have the future you want
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co. write to us at invest.
.nrimumbai@sbi. from SBI Mutual Funds • Equity Funds: Suitable for investors looking for market related returns in the long term • Debt Funds: Suitable for medium risk.Opportunities to enhance your wealth
Life Insurance A range of products tailor-made to your specific investment needs from SBI Life Cover your family against uncertainties Pay your premiums online or by debiting an NRE/NRO account Claim amounts partly repatriable
DISCOVER HO W
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O NE Y C A N RM EA OU Y
R
N
YO
N U M O EY
Mutual Funds Offerings to suit every risk appetite.in
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Please study each investment scheme independently and evaluate the repatriability of the investment. long term investments • Money Market investments: Suitable for investors looking for returns in short term
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Portfolio Investment Scheme Ideal for NRIs to play in the stock market Open an online e-Z trade : a 3-in-1 account. Demat and Trading accounts To know more. that links your Savings.